8950 Lightning Ln, Owings, MD 20736 Property Records

Calvert County property record for 8950 Lightning Ln, Owings, MD 20736

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,624 sqft · built 2003
Lot Size	0.974 acres (42,421 sqft)
Owner	2 Individual Names on Record
Last Sale	$670,000 (May 2008)
Tax Bill	$7,588 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-172414`

Property Details

APN / Parcel Number

Primary APN	`03-172414`
Alternative APNs	`3172414` `172414`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,624 sqft Total Area
Basement Area	969 sqft
Finished Basement	969 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	42,421 sqft (0.974 acres)
Garage Type	Mixed
Garage Area	630 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	924 sqft
Porch	Slab
Porch Area	56 sqft
Deck Area	66 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	172414
Street Address	8950 LIGHTNING LN
City	OWINGS
State	MD
Zip	20736-3207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Description	LT 152 PLAT 7 CROSS POINT AT DOWELL
Legal Subdivision	CROSS POINT DOWELL 07
Legal Lot Number	152
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	2
Census Block	2003
Census Tract	860200

Owner

Source: Calvert County records, as of July 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	8950 LIGHTNING LN, OWINGS, MD 20736-3207
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Apr 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2008 · Amount on Record
Deed Sale	May 12, 2008 · Amount on Record
Prior Sale	Dec 17, 2003 · Amount on Record
Deed Document Number	200882187
Deed Book / Page	3160 / 391
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	8950 LIGHTNING LN, OWINGS, MD 20736-3207
Transaction Type	Mortgage
Record Updated	Apr 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8950 LIGHTNING LN, OWINGS, MD 20736-3207

Mortgage

Document Number	0068730428
Date	Mar 25, 2026
Book Page	6873/428

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Apr 1, 2066

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	8950 LIGHTNING LN, OWINGS, MD 20736-3207
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8950 LIGHTNING LN, OWINGS, MD 20736-3207

Mortgage

Document Number	0059350440
Date	Apr 16, 2021
Book Page	5935/440

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Calvert County
Unified School District	Calvert County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$703,733 (+2.26%)	$734,800 (+6.77%) Land $190,000 Building $544,800
2025	$7,588.00 (+18.6%) Homeowner's exemption	$688,200 (+11.74%) Land $190,000 Building $498,200	$688,200 (-) Land $190,000 Building $498,200
2023	$6,398.00 Homeowner's exemption	$615,867	$688,200 Land $190,000 Building $498,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective April 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2002–2003)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2003 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CROSS POINT SUBDIVISION serves 434 people · EPA ID MD0040052
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

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